Top 10 Best No Credit Check Engagement Ring Financing Companies

Love is beautiful. It creates a top of the world feeling that sends joy and hope to every part of your body. The appearance of your lover makes the problems go away, giving you peace of mind. As a result, you will need to give the best you can, as a show of your love. Diamond and gold jewelry are a symbol of finer things, making them the best gifts you can give to your special person.  

Unfortunately, diamond and gold jewelry are not cheap. You will have to part with a substantial budget that is out of reach of most people. Thankfully, you can easily find no credit check engagement ring financing stores that help people with tight budgets to express their love in the best way possible at affordable monthly payments. The lack of savings should also not stop you from showing how you feel. Jewelry financing no down payment options make it possible to buy the rare engagement rings without savings.

We have put together jewelry stores with easy credit approval to help you make your vows in style without the need to make budget sacrifices.

No Credit Check Engagement Ring Financing

Top 10 No Credit Check Engagement Ring Financing

1. Crown Jewelers

People with bad credit have fewer options for affordable, quick approval financing options, which makes Crown Jewelers an exception. The store offers easy no credit check diamond engagement rings financing, irrespective of your credit rating. You can get a diamond or a gold engagement ring for as low as $25 per month, making it possible for anyone to make vows with a unique, rare ring.

In addition to flexible payment options, Crown Jewelers takes the satisfaction of its customers very seriously. The store has a 30-day money back guarantee that lets you send the ring back within 30 days for a full refund if you are not satisfied. It also has a broad range of engagement rings, ensuring that you will find a design that best relates to your love story. Whether you are looking for a white/ yellow gold ring or a colored diamond ring, you will have a perfect story for your love at varying prices. The company does not run a credit check for loan applicants.


  • No credit check
  • Flexible, low monthly payments
  • 30-day money back guarantee

2. Paramount Jewelers

It is not every day that you will find jewelry stores with easy credit approval for bad credit with no down payment. Paramount Jewelers is a popular store for people looking for engagement ring financing with no down payment. The financing with no down payment is available to all customers, including those with bad credit.

Paramount Jewelers is the go-to option if you are looking for a store with a wide variety of luxury accessories and friendly financing. The company has a team of experienced custom designers and crafters who ensure that every jewelry accessory at the store is of the best quality. The crafters and designers can help you find an engagement ring that will be the mark of your love for many years to come.

The store offers various payment options, ensuring that you have a quality engagement at flexible terms. With no credit check and money down, the Paramount Jewelers store makes it possible for people with committed budgets to propose in style.


  • No money down
  • No credit check
  • Flexible payment plans

3. Gage Diamonds

Buying a diamond engagement ring does not have to difficult or impossible, irrespective of your budget. Gage Diamonds store has a robust customer service that makes buying an engagement ring exciting. The company has a wide range of engagement rings with unique makeup and setting, making it possible to find a ring that perfectly matches your lover’s personality. To make buying an engagement accessory less complicated, the store runs special collections that display the exciting engagement rings by Moissanite Engagement and Vintage and Restored.

If you are not sure about what you should buy, you only need to browse the unique collection or contact the sales team to walk you through the different available styles and materials. Beyond the exciting engagement accessories, the company has a friendly credit program. The lack of cash should not stop you from committing to your lover. Gage Diamonds no credit check engagement ring financing lets you express your love at any time and enjoy flexible payments with zero interests and fees.


  • No down payment
  • No credit check
  • Zero interests

4. Arizona Diamond Center

Styling and engagement should mirror your love life. Arizona Diamond Center is a family-owned business that sells a variety of luxurious accessories, including wedding brands, luxury watches and rings. Arizona Diamond Center has a rich history dating back 35 years. You can be sure that the store uses its history to help customers find engagement rings that are perfect for their style. The store focuses on white gold and clear diamonds.

Arizona Diamond Center understands that everyone should love and feel loved, irrespective of their budget. For those who cannot afford cash payments, the company has a special financing program that puts into consideration different people financial ability. The company does not carry out credit check, ensuring that people with bad credit can still make vows in style.


  • No credit check
  • Special financing program
  • Flexible payments

5. Unclaimed Diamonds

For over 20 years, the Unclaimed Diamonds has been specializing in luxurious accessories, including wedding sets, engagement rings and timepieces. The company helps all lovers claim a luxurious engagement ring even when your budget is stretched. The store has a lease to own financing option that helps people make vows in style without straining their budget. The financing plan allows you to pay for your engagement with low payments of up to 12 months.

The lease to own financing option at Unclaimed Diamonds does not require credit checks, making it possible for people with poor credit scores to buy a luxurious engagement ring. The company has a wide range of luxurious engagement rings, enabling you to find a ring with the perfect expression of your lasting love, including classic diamond solitaire and contemporary styles.


  • No credit check
  • Installments payments of up to 12 months

6. The Diamond Center

The Diamond Center brings together two groups of experts. The store team comprises jewelry and financial experts to help people find the right engagement ring and a flexible payment plan. The two teams of experts ensure the prospective customers get rare, quality jewelry and an affordable payment plan. The Diamond Center no credit check engagement ring financing option is different from other financing options.

The company offers a Diamonds My Way credit program that provides easy financing for engagement rings for people with bad credit. The financing plan enables you to purchase your dream engagement ring with low payment plans. All engagement accessories are precisely cut and feature gold, platinum or brilliantly-cut diamonds. The Diamond Center makes it possible to make your vows with a ring that matches your desired design and setting.


  • No credit check
  • Flexible payment plans

7. Hurst Diamonds

Started in 1908, the Hurst Diamonds Company has been part of couples’ love life for over a hundred years. In the early days, the store was selling everything from optical eyewear to watches, engagement rings and luggage as part of its accessories. Today, the company offers the best luxurious accessories with engagement rings, a prominent category featuring the vintage models like the Promise collection by Love Story.

Hurst Diamonds offers a flexible payment plan that allows almost everyone to propose in style irrespective of their credit rating. The company’s no credit check diamond engagement rings financing makes it possible for people with bad credit to shop online or in-store without minding their past financial mistakes.


  • No credit check
  • Flexible payment plans

8. Zales

Have you ever thought that the lack of cash should not stop you from making vows to your special person? Yes, that is definitely possible with the Zales engagement rings buy now pay later program. With a history dating back hundreds of years, the store has perfected timeless, high-quality jewelry and service principles. Zales jewelry store offers a wide array of options for people looking for the finest jewelry at an exceptional value. You can find exclusive diamond designs at the store from international designers like Vera Wang and Neil Lane.

Beyond the luxurious engagement rings, Zales offers a service with a difference. It offers free shipping with any purchase of $49 or more or free ship to store with no minimum. The purchases are also worry-free as they come with a 60-day risk free return policy. Diamond engagement rings are supported by a lifetime Diamond commitment that replaces it at no extra charge if you lose it. The store has flexible payment options with no credit check.


  • No credit check
  • Flexible payment
  • Buy now pay later option
  • Zero down special financing

9. Kay Jewelers

There is no better way to express your love than to give your partner a shining, luxurious engagement ring. Kay Jewelers has a wide selection of engagement accessories ranging from the classic trends to the latest trends. You can conveniently buy a top-quality ring online or in-store and get the same exceptional service. If you are not sure what you are looking for, Kay Jeweler experts can listen and shop with you to help you find the perfect accessory for your love story.

Whether you are buying online or in-store, Kay Jewelers offers helpful payment options. The Kay no credit check diamond engagement rings financing helps all people purchase their dream gold or diamond ring, irrespective of their past financial mistakes. The company has multiple financing options, allowing you to find a financing option that is best for you.


  • No credit check
  • Lease to own
  • Flexible payments
  • Multiple financing options

10. Icebox

If you cherish classic and contemporary engagement rings, you will fall in love with what Icebox offers. Icebox Diamonds & Watches Company has the very best of classic and contemporary rings, all featuring high-quality metals and sparkling diamonds. Every ring by the Icebox comes with a unique design that matches your specific taste, allowing you to make vows in style. To make the rings accessible, the company has a lease purchase financing option that makes it possible for anyone with a gross monthly income of at least $1,600. The financing option is available to all, including those with bad credit.


  • No credit check
  • Flexible lease purchase option

Frequently Asked Questions (FAQ)

Do you need good credit to finance an engagement ring?

No. A good credit qualifies you to many financing options, allowing you to find cheaper forms of financing. However, people with bad credit can also qualify for different types of engagement rings financing with the in-store financing being the best. The jewelry stores in this guide all have a no credit check engagement ring financing, ensuring everyone, including those with bad credit can make vows in style.

Does Zales finance bad credit?

Yes. Zales offers multiple payment options that include buy now, pay later, lease purchase program and zero down special financing. The company does not conduct credit check, ensuring that people with bad credit can access financing for their dream engagement ring.

Can you get a payment plan on an engagement ring?

Yes. You can get a flexible payment plan that lets you pay for an engagement ring in installments. You can also find a store that lets you buy a diamond ring and pay later, irrespective of your credit rating. 

Does Kay Jewelers check credit?

No. Kay has a strong conviction that love is unstoppable. It offers several flexible financing options that make purchase decisions easier ranging from credit cards to no credit check leasing. You only need to explore the right financing plan for you. The lease to own financing option does not include credit checks, making it perfect for people with bad credit ratings.

What is the easiest jewelry store to get credit from?

Every store has unique requirements that make it ideal for specific people. Some stores have multiple financing options, giving people options. Some of the top jewelry stores with easy credit approval include Kay Jewels, Zales, The Diamond Center, Paramount Jewelers and Gage Diamonds.


Making vows to your lover is a special moment that will remain memorable in your love life, and thus, it needs special consideration. The lack of cash should not stop you from taking your lover’s breath away with a luxurious gold or diamond ring. You only need to look for a store with no credit check engagement ring financing to buy the best engagement ring and pay in installments.